Is it advisable to take on SSB once the interest rate is higher than 1.9% (i.e. inflation rate)?

If you are merely comparing SSB returns and inflation rates, then you should definitely put into SSB to get returns greater than inflation rate.

But if not for other low risk options, there is fixed deposits which you probably already exhausted the options.

It really depends on your current situation, your needs, as well as your goals for the future. One of the first ways to do this is to understand your monthly cashflow and any changes in the near future. Here is some info on understanding your cashflow: https://www.blog.pzl.sg/understanding-your-pers...

Thereafter, we have to set expectations and goals about your short-term and long-term future. From there, we will assess and see if Singapore Savings Bonds (SSB) is the best tool that fits your requirement.

For instance, if you are in your early 30s and you are saving up for retirement in three decades time, then SSB may not be the best tool (hence it really depends).

Also, do note on the lock-in period for SSB too.

On the whole, managing your finances is important. So is adopting the right risk management strategies to achieve your goals while ensuring your welfare is taken care of. All these require comprehensive planning that is impossible to accomplish over the internet.

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